Modifying Credit Card Charges

Call center or sales professionals can modify credit card charges in your Siebel Business Application. The tasks associated with modifying credit card charges are as follows:

Authorize. This task allocates to the merchant a specific amount of the credit available to the cardholder, typically for one week. No funds are transferred.

The merchant authorizes a credit card to make sure of the following:

The customer has the funds to pay for the purchase.

These funds are reserved until the merchant is able to ship the product. Credit card companies typically state that a merchant should not settle until the product has been shipped.

Siebel eSales does automatic authorization as part of the eSales - Authorize Order Process, when the customer clicks Confirm Order on the Order Summary page. Authorization can also be done manually. Your employees, such as call center agents, use the Payment form to authorize charges.

For more information, see the chapter on creating a quote or order in Siebel Order Management Guide.

Settle. This task includes the authorization code and requests that funds be transferred from the cardholder's account to the merchant's bank account.

You settle charges after an order has been authorized. You will need to settle each order or develop a batch routine.

For more information, see the chapter on creating a quote or order in Siebel Order Management Guide.

Authorize and Settle. This task makes sure that the funds are available, reserves them, and requests that they be transferred in one call. It does this in the case of immediate order fulfillment (for example, digital downloads).

For more information, see the chapter on creating a quote or order in Siebel Order Management Guide.

Refund. This task takes place after a settlement when the merchant needs to transfer money back to the cardholder, as in the case of a return.

For more information, see the chapter on creating a quote or order in Siebel Order Management Guide.

Reversal. This task takes place as a result of allowing a transaction that was not settled to expire. See Reversing Charges.